42 Highpoint, Cedar Grove, NJ 07009 Property Records

Essex County and Cedar Grove Township property record for 42 Highpoint, Cedar Grove, NJ 07009

Property Summary

Property Type	Single Family Home
Details	2,019 sqft · built 1984
Lot Size	2.12 acres (92,404 sqft)
Owner	2 Individual Names on Record
Last Sale	$705,000 (Sep 2026)
Tax Bill	$9,090 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Aug 2026 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-00040-0000-00237-0000-C0042`

Property Details

APN / Parcel Number

Primary APN	`04-00040-0000-00237-0000-C0042`
Alternative APNs	`0400040000000237C0042` `040004000000023742`

Interior

Stories	2 Stories
Building Area	2,019 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Condo/Apartment
Exterior Material	Frame
Construction Type	Frame
Lot Area	92,404 sqft (2.12 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Old Parcel Number	040004000000023742
Street Address	42 HIGHPOINT
City	CEDAR GROVE
State	NJ
Zip	07009-1977
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-MF
Legal Description	2.25032% CE 6.121 AC
Legal Subdivision	HIGHPOINT /CEDAR CONDO
Legal Block	40
Legal Lot Number	237
Jurisdiction	ESSEX NJ
Township / Civil Division	CEDAR GROVE
Census Block Group	2
Census Block	2002
Census Tract	21400

Owner

Source: Essex County and Cedar Grove Township records, as of October 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	42 HIGHPOINT, CEDAR GROVE, NJ 07009-1977
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2026	Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Aug 19, 2026	Deed of Trust, Mortgage · Construction Mortgage LUMINATE HOME LOANS INC
Aug 4, 2022	Deed of Trust, Mortgage · Line of Credit NOVARTIS FEDERAL CU
May 20, 2019	Grant Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 16, 2026 · Amount on Record
Deed Sale	Sep 16, 2026 · Amount on Record
Prior Sale	May 20, 2019 · Amount on Record
Deed Document Number	202661338
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ESSEX NJ
Recording Date	Sep 16, 2026
Property Address	42 HIGHPOINT, CEDAR GROVE, NJ 07009-1977
Document Number	0000061338
Instrument Date	Sep 15, 2026
Instrument	202661338
Transaction Type	Transfer
Record Updated	Oct 5, 2026
Title Company	CATAL TITLE, CATIC TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71,205.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 HIGHPOINT, CEDAR GROVE, NJ 07009-1977

Mortgage

Document Number	0000061339,
Date	Sep 16, 2026
Instrument	202661339

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Recording Date	Aug 19, 2026
Property Address	42 HIGHPOINT, CEDAR GROVE, NJ 07009-1977
Document Number	0000055170
Instrument Date	Jul 30, 2026
Instrument	202655170
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 HIGHPOINT, CEDAR GROVE, NJ 07009-1977

Mortgage

Document Number	0000055170,
Date	Aug 19, 2026
Instrument	202655170

Lender

Name	LUMINATE HOME LOANS INC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Feb 1, 2027

Interest

Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ESSEX NJ
Property Address	42 HIGHPOINT, CEDAR GROVE, NJ 07009-1977
Transaction Type	Mortgage
Record Updated	Sep 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000073125
Date	Aug 4, 2022
Instrument	2022073125

Lender

Name	NOVARTIS FEDERAL CU
Type	Credit Union
Address	EAST HANOVER, NJ 07936

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ESSEX NJ
Recording Date	May 20, 2019
Property Address	42 HIGHPOINT, CEDAR GROVE, NJ 07009-1977
Document Number	0000046709
Instrument Date	May 15, 2019
Instrument	46709
Transaction Type	Transfer
Record Updated	Jun 25, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$415.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 HIGHPOINT CEDAR GROVE NJ 070091977, CEDAR GROVE, NJ 07009-1977

Mortgage

Document Number	46715
Date	May 20, 2019
Instrument	46715

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2049

Tax Assessment & Valuation

Source: Essex County and Cedar Grove Township assessment roll, as of July 2, 2026

Property Jurisdictions

Type	Name
State	New Jersey
County	Essex County
County Subdivision	Cedar Grove Township
Unified School District	Cedar Grove Township School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$594,700 (+75.79%) Land $295,000 Building $299,700	$594,700 (+75.79%) Land $295,000 Building $299,700
2025	$9,090.00 (+2.79%)	$338,300 (-) Land $125,000 Building $213,300	$338,300 (-) Land $125,000 Building $213,300
2024	$8,843.00 (+1.95%)
2023		$338,300 Land $125,000 Building $213,300	$338,300 Land $125,000 Building $213,300
2022	$8,674.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2012–2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2021 · Remnants Of Hurricane Ida

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 92% of New Jersey
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CEDAR GROVE WATER DEPT serves 12,900 people · EPA ID NJ0704001
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jul 2024
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 340 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Fiber · Cable	8,000 / 8,000
Verizon Fiber · Fixed Wireless in parts of the area	2,300 / 2,300
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Xfinity.

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